Date Received: 2021-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We closed a refinance mortgage and 1st is we didnt recieve any copies of the loan papers 2nd we signed and auto withdraw with the same bank ( Regions ) but they stated we didnt but no copies of documents 3rd they stated they sent billing statements which we never received 4th only correspondence we recieved was was a notice they sent lack of payment to credit companies 5th we tried to fix with them and they denied any cupibility which again no documents 6th when recieved notice called and paid up to date and filled out anto draft document 7th they stated they called us but never left message because our phone said a scam call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30809
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was picking up a cashiers check at the Regions Bank located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX. XXXX XXXX was helping me and she mentioned to me that they were running a special if I re-did my home equity line of credit that I currently have with Regions. She said they would waive all of the closing costs and the rate would lower and they would have a 6 month promotional rate. She followed up with me on XX/XX/XXXX and I then sent her my application over email sometimes in the next two weeks. Everything was very confusing and she told me that she would payoff what I owed on my current HELOC of $ XXXX and increase my line of credit from $ XXXX to $ XXXX. This all sounded good to me. I then received several emails from her over the next several weeks asking me for pay stubs, w-2 's tax returns, homeowners insurance information, bank statements, all of which I responded to and sent her via email when she requested. I was out of town last week and someone texted me and told me that they were coming out to do an appraisal. XXXX didn't tell me anything about this, but that was fine, and he came out and did it. I had not heard anything from her in several days so I decided to follow back with her after receiving a letter in the mail while I was out of town about a counter offer. This counter offer was dated XX/XX/XXXX, but it came in the mail between XXXX. So that was confusing as well, because in an email dated XX/XX/2021 in response to my inquiry about the counter/denial letter, she said.. Hi XXXX, I spoke to your underwriter yesterday. From what I can gather, things are running slow because of the holidays. As it looks right now I am waiting on a few items to be completed from underwriting. All documents that I have submitted have been approved. I will contact you with a closing date as soon as everything is ready to go. I appreciate your patience. I responded that I had received a counter offer and what did that mean. She responded with : " What does the counter offer say? '' I had to take a picture of something that her company had sent me and send it to her so that she could know what it said. I found this very concerning and red flags began to go up. Apparently once she read the counter offer I found out later that she called the underwriter who told her that the way that she had it set up was not possible. Everything about my application improved once I sent in documentation to her. The appraisal was higher which made the LTV and CLTV lower than the 80 % CLTV that she had been promoting. Long story short they can't do anything for me because she said she was unaware of a Regions guideline that capped CLTV 's over a certain loan amount. This feels like a real bait and switch situation to me. She was promoting this great deal of a 6 month teaser rate, and then no annual fee, but apparently that was never even a possibility. I can't find her NMLS number in her email signature, but I am assuming she is registered. She should have known what the max CLTV 's were for my loan amount at very beginning before promising something that she could not deliver on. This is beyond unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Reported 2 late payments that were not paid late and were paid on time. XX/XX/XXXX and XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: I authorized a money transaction on XXXX XXXX from my checking account with Regions bank to XXXX {$900.00} to a receiver in XXXX . The receiver is XXXX XXXX. Within few minutes, I received an email that the transaction was unsuccessful and therefore the money will be return into my accounts. I waited after a two weeks and the money was still not in my account. I contacted XXXX and they provided me with an authorization number advising the money returned into my accout on XX/XX/20. I contacted my bank, including the local branch as well as a letter from my attorney but the bank has refused to respond. Regions mailing address : XXXX XXXX, XXXX, AL. XXXX. Sendwave mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filled a dispute in regards to the incorrect items on my XXXX credit report. It had been well over 30 days and i haven't received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2020, I noticed that there were several withdrawals from my banking account that were for XXXX XXXX. The total amount of the charges was just under {$700.00}. In fact, I looked because I had been alerted by Regions Bank that there was unusual activity on my card, causing me to check into this. The charges that totaled {$700.00} were well within 60 days of me calling the bank and reporting these fraudulent charges. As I continued to look through my account, I saw where there were fraudulent charges to XXXX XXXX starting in XX/XX/2020. I did not anticipate being reimbursed for the charges outside of 60 days of my reporting, but I reported them nonetheless. I was reimbursed by Regions for the charges that had taken place 8 and 9 months previously, but Regions refused to reimburse me for charges that had taken place within 60 days. The ones I was reimbursed for were months ago, were for the exact same thing that was being charged to my card for all the other fraudulent charges, and it was Regions who alerted me to fraudulent activity. Yet, Regions Bank refused to reimburse me. I have banked with Regions Bank for 26 years. I have a mortgage with Regions. I requested this be looked into. I emailed and received vague responses. I called and was put on hold and ultimately disconnected. I called my local branch in XXXX, Mississippi and after a month and multiple phone calls that went unanswered was once again given vague responses. I was put on hold to speak with a manager and was disconnected. When the woman called me back, she put me on hold again where I sat and no one got on the phone. I will be closing my account with Regions. I will pay off my mortgage and never do business there again. I will tell my mother and all other family members to never bank with Regions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I signed a closing disclosure with Regions Bank but have yet to close. I have been told by XXXX XXXX on XXXX 2020. The date I was suppose to close that the closing was held up because the bond company wanted me to sign the back and front on all the closing estimates documents in the Bank although I had electronically signed them before, and he acknowledged that I had already signed them. I did that and later I learned that this was not something the bond company would request. I also learned noticed there was no signature required on the hard copy so I was told to sign them anywhere on the documents. this may be a way to copy paste my signature on other documents. XXXX XXXX sent out an email stating Regions have never done a XXXX loan and they are having difficulty creating the documents for closing on XX/XX/2020. The closing has been extended several times. I also learned that the home that I have under contract may have been sold by another agent in the same company on XX/XX/XXXX. even though I am still under contract and my loan has been approved. I have documentation of that also. I have yet to close or even given a closing date. This has been going on since. XXXX. I want someone to investigate this ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My checking account with Regions Bank was in good standing. I am in the process of tryings to increase my credit score so, decided to set up my XXXX XXXX Credit Card and my XXXX XXXX XXXX with Bill Payment through Regions Bank. My payment for both cards is due by the XXXX of the month before XXXX XXXX. I set up the bill payment to post on the third day of the month XXXX XXXX XXXX ) because that is when I have the money in my checking account. I thought all was well until I checked my checking account balance on the XXXX of XXXX. Regions Bank had tried to take the XXXX XXXX payment of {$30.00} out of my account two times on XX/XX/XXXX. Then they tried to take the money out for XXXX XXXX again on XX/XX/XXXX. This over drew my checking account a third time. If that wasn't enough, they tried to take the money out of my checking account again for my XXXX XXXX on XXXX XXXX. Let me remind you that my Bill Payments were set up be paid to my creditors on XX/XX/2021. These were all unauthorized withdrawals from my checking account. By the time they got finish charging me for unauthorized overdraft fees, I owed {$160.00} in overdraft fees. I called the bank on the next day XXXX XXXX XXXX ) and explained to them that they made a mistake and messed up my checking account. I told them they were charging me for overdraft fees that were not my fault. I then went into great detail explaining the mishap. They informed me that because I had previously disputed an overdraft charge in the past, they could only eliminate 50 % of the fees. I explained to them that the error was % 100 their mistake, not mine. I did not do anything to cause the problem and I want them to fix my account back to the way it was before they messed it up. They reversed {$72.00} of it and left me to pay {$89.00} of a bill that they made. They were suppose to take the money out of my account to pay the credit card bills on XX/XX/2021 ( 3 days later ). There was no money in the account on XX/XX/XXXX and XXXX, but the account was not overdrawn.. They overdrew my account and basically told me " too bad for you, we are not paying it. '' They stole {$89.00} from me. I want them to pay it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Was provided misguidance by customer support. Requested application of payment to principal on XX/XX/2020, was told by agent to make online payment. My payment was misapplied. Customer service refusing to rectify the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/2020 Claim ID Total Amount of Claim Claim Type XXXX {$210.00} Fraud XXXX I received notice that my claim had been denied ( because I shop in the areas it happened, One was at XXXX and one at another store ) Im frustrated because who doesnt shop at there local XXXX XXXX I have also found a third transaction for a steak and shake that was not me. There was also a XXXX charge but the merchant has promised to resolve it ( still waiting ) Im currently being charged {$470.00} dollars in fees because of this. I also hold another account that the card was completely locked down on yet they allowed a XXXX dollar charge to go through and then charged me XXXX dollars in overdraft. I find it absolutely crazy that Im charged all these fees and Im the victim of my card being skimmed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A